Milford Federal Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Net interest margin rose 0.17 percentage points in Q2 2026 to 2.71%, the biggest move on this page. Within Massachusetts, Milford Federal Bank is 66th of 89 on net interest margin, 2.71% as of Q2 2026, below the middle of the field. Milford Federal Bank reported 2.71% on net interest margin for Q2 2026, 1.24 points below the 3.95% median for banks in the $100M-1B asset tier.
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 4.72% |
| Yield on loans | — |
| Yield on securities | — |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 2.18% |
| Cost of interest-bearing deposits | 2.15% |
| Cost of interest-bearing liabilities | 2.30% |
| Cost of borrowings | 4.42% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 2.71% |
| Yield to cost spread | 2.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $5.6M |
| Total interest expense | $2.6M |
| Interest expense on deposits | $2.2M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin |
|---|---|---|---|
| Q3 2023 | 4.02% | 1.47% | 2.64% |
| Q4 2023 | 4.16% | 1.63% | 2.63% |
| Q1 2024 | 4.25% | 1.85% | 2.49% |
| Q2 2024 | 4.34% | 2.06% | 2.42% |
| Q3 2024 | 4.42% | 2.13% | 2.42% |
| Q4 2024 | 4.47% | 2.30% | 2.34% |
| Q1 2025 | 4.51% | 2.37% | 2.31% |
| Q2 2025 | 4.62% | 2.16% | 2.62% |
| Q3 2025 | 4.69% | 2.11% | 2.70% |
| Q4 2025 | 4.67% | 2.21% | 2.63% |
| Q1 2026 | 4.50% | 2.17% | 2.54% |
| Q2 2026 | 4.72% | 2.18% | 2.71% |
Milford Federal Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Milford Federal Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Milford Federal Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29835) · FFIEC NIC profile (RSSD 227777)